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2012 Acura MDX Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 28, 2020

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Average insurance rates for an 2012 Acura MDX are $1,218 a year with full coverage. Comprehensive costs on average $250 each year, collision costs $350, and liability insurance costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,614. Teenage drivers receive the highest rates at $4,668 a year or more.

Annual premium for full coverage: $1,218

Rate estimates for 2012 Acura MDX Insurance

Comprehensive $250
Collision $350
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 Acura MDX models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $510 for just liability coverage to a high rate of $2,614 for high-risk insurance.

Liability Only $510
Full Coverage $1,218
High Risk $2,614

View Chart as Image

2012 Acura MDX insurance rates compared
Column chart showing 2012 Acura MDX insurance prices range from $722 to $4,668 for full coverage

These differences demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2012 Acura MDX Insurance

Searching Companies

Searching for the cheapest insurance for an Acura MDX can normally be difficult, but you can use the following methods and make it easy. There is a better way to buy insurance coverage so we’re going to tell you the quickest way to price shop coverage on a Acura and get the cheapest rates from local insurance agents and online providers.

If you are insured now or need new coverage, you will benefit by learning to get lower rates and possibly find even better coverage. Finding the lowest cost insurance coverage can be fairly easy. Consumers just need to know the most efficient way to find the lowest price online.

The method we recommend to compare policy rates utilizes the fact most of the bigger providers will pay a fee to provide you with free rate quotes. The one thing you need to do is provide a small amount of information including if you have a valid license, if it has an alarm system, your occupation, and the ages of drivers. The rating information is then sent to multiple companies and you will get price comparisons with very little delay.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different.

These are some specific questions might help in determining whether or not you would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • Am I covered when driving in Canada or Mexico?
  • What is medical payments coverage?
  • Does liability extend to a camper or trailer?
  • How much liability insurance is required?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need PIP coverage since I have good health insurance?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverages and their meanings

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

This will pay to fix damage to your MDX resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, crashing into a ditch, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Auto liability insurance

This can cover damage that occurs to people or other property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, repair bills for other people’s vehicles, emergency aid, funeral expenses and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, nursing services, ambulance fees and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, hitting a bird and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Acura MDX.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Acura MDX Insurance Rates by City
City Premium
New York City, NY $1,926
Los Angeles, CA $2,082
Philadelphia, PA $1,627
Jacksonville, FL $1,768
Phoenix, AZ $1,417
Chicago, IL $1,631
Houston, TX $1,908
Seattle, WA $1,189
Columbus, OH $1,019
Indianapolis, IN $1,037

Need a specific model?

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Rates by Driver Age

2012 Acura MDX Insurance Rates by Driver Age
Driver Age Premium
16 $4,668
20 $2,772
30 $1,256
40 $1,218
50 $1,114
60 $1,090

Full coverage, $500 deductibles

Rates by Deductible

2012 Acura MDX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,478
$250 $1,358
$500 $1,218
$1,000 $1,080

Full coverage, driver age 40

Rates by Liability Limit

Acura MDX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,218
50/100 $1,310
100/300 $1,425
250/500 $1,724
100 CSL $1,356
300 CSL $1,609
500 CSL $1,793

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Acura MDX Insurance Rates for High Risk Drivers
Age Premium
16 $6,618
20 $4,410
30 $2,658
40 $2,614
50 $2,496
60 $2,472

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $164

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $81
5-yr Claim Free $77
Paid in Full/EFT $49
Advance Quote $56
Online Quote $85
Total Discounts $496
Rate after discounts $722

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2012 Acura MDX Insurance Rates by State
State Premium
Alabama $1,102
Alaska $934
Arizona $1,012
Arkansas $1,218
California $1,388
Colorado $1,166
Connecticut $1,252
Delaware $1,378
Florida $1,524
Georgia $1,124
Hawaii $874
Idaho $824
Illinois $906
Indiana $918
Iowa $822
Kansas $1,158
Kentucky $1,662
Louisiana $1,802
Maine $752
Maryland $1,006
Massachusetts $974
Michigan $2,116
Minnesota $1,020
Mississippi $1,458
Missouri $1,080
Montana $1,310
Nebraska $962
Nevada $1,460
New Hampshire $878
New Jersey $1,362
New Mexico $1,080
New York $1,284
North Carolina $700
North Dakota $998
Ohio $842
Oklahoma $1,252
Oregon $1,116
Pennsylvania $1,162
Rhode Island $1,626
South Carolina $1,104
South Dakota $1,028
Tennessee $1,068
Texas $1,468
Utah $902
Vermont $834
Virginia $730
Washington $944
West Virginia $1,116
Wisconsin $844
Wyoming $1,086

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